Instant Loans Online

Fund your future plans with a fair-rate loan that offers flexible repayment and easy instalments.

We’ve simplified the process. Apply for your loan in minutes, without painful paperwork or waiting in queues.

Online Debt Consolidation Loans Bad Credit

We’re EFT Capital, the first name to come to the mind of Australians who want to apply online for debt consolidation loans and have bad credit score limiting them at the time of choosing from which businesses they can borrow money.

We take pride to offer Australians a superior service that makes the entire process of requesting debt consolidation loans with bad credit online an easier process and a much simpler one. We’re not new to the competitive loan industry, we’ve offered our world class services for more than 20 years, time in which we have learned and experienced a wide array of requirements from all kinds of clients; and we always find the best possible way to deliver up to their expectations by offering online debt consolidation loans with bad credit.

As the first name coming to the mind of anyone who needs a loan and needs to get it approved as soon as possible, here at EFT Capital, we make sure we can adapt to our clients’ needs, and that means offering a wide array of produces you can choose from depending on your needs. We don’t limit our loans to online debt consolidation loans for bad credit score holders, but also offer a wide array of loan products you can check on our website.

Applying for loans at EFT Capital only takes a couple of minutes. We’re the leaders at helping our clients getting excellent loans that meet their current financial needs. It does not matter if you have no credit score, our online debt consolidation loans for bad credit score people are the best option for you. Get all the information you need to know about our this and other products by contacting us today! Our experts are expecting to hear from you soon!

Our Services


Personal Loans

Know you’ve chosen the best deal for your personal loan when you use EFT Capital.


Vehicle / Car Loans

Own your dream vehicle with our easy apply online vehicle loans.


Debt Consolidation

Consolidate all your existing loans into one making it more manageable.


Business Loans

Bank upon EFT capital for all types of business fund requirements.

Online Loan Application

    Check your eligibility

    • Step

      Submit an application online.Apply Online

    • Step

      Upload all your supportive documents to your application or you can email it directly to us: Documents will be 2 payslips, 3 month bank statement, copy of driver’s license or passport, medicare card or bank card

    • Step

      Our loan specialist will review your application and contact you to discuss

    • Step

      If approved, loans terms will be provided and contract issued

    • Step

      Client to sign contract electronically or manually

    • Step

      Funds transfers to your bank account

    What Our Clients Say About Us

    google review sign4.9

    star rating

    500 Reviews

    Brands we work with